Call reports 2007
FIRST STATE BANK OF NEWCASTLE — 2007
What FIRST STATE BANK OF NEWCASTLE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,799,000 | 106,902,000 | 108,162,000 | 115,151,000 |
| Total loans | 37,530,000 | 38,913,000 | 41,767,000 | 43,831,000 |
| Allowance for loan losses | 260,000 | 268,000 | 271,000 | 278,000 |
| Securities available for sale | 59,381,000 | 59,638,000 | 56,151,000 | 59,466,000 |
| Securities held to maturity | 4,087,000 | 3,963,000 | 3,963,000 | 3,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,657,000 | 93,580,000 | 93,960,000 | 100,692,000 |
| Interest-bearing deposits | 76,931,000 | 73,678,000 | 75,082,000 | 77,782,000 |
| Noninterest-bearing deposits | 18,726,000 | 19,902,000 | 18,878,000 | 22,910,000 |
| Equity capital | 18,799,000 | 12,979,000 | 13,844,000 | 14,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,108,000 | 4,641,000 | 6,248,000 |
| Interest expense | 651,000 | 1,347,000 | 2,060,000 | 2,761,000 |
| Net interest income | 907,000 | 1,761,000 | 2,581,000 | 3,487,000 |
| Noninterest income | 135,000 | 277,000 | 434,000 | 578,000 |
| Noninterest expense | 450,000 | 946,000 | 1,458,000 | 2,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 592,000 | 1,092,000 | 1,557,000 | 1,871,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | 590,000 | 1,092,000 | 1,557,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,281,000 | 14,086,000 | 14,202,000 | 14,018,000 |
| Total capital | 19,541,000 | 14,354,000 | 14,473,000 | 14,296,000 |
| Risk-weighted assets | 52,774,000 | 52,591,000 | 55,116,000 | 57,577,000 |